Christopher Molder -Mortgage Broker

03/18/2026

The Bank of Canada held rates today.

No surprise there.

But here’s what matters:
• GDP is contracting
• The job market is weakening
• Inflation is back within target

Normally, that’s a clear setup for rate cuts.

So why the pause?

Oil prices and global uncertainty.

As long as inflation risks linger, the Bank is unlikely to move — even with a weakening economy.

In this video, I break down what it means for interest rates going forward.

03/11/2026

Something unexpected is happening with mortgage rates right now.

Normally when global conflict breaks out, investors rush into government bonds for safety. When that happens, bond yields fall — and fixed mortgage rates usually follow.

But this time the opposite is happening.

Since the conflict began, the 5-year Government of Canada bond yield has climbed about 35 basis points, and lenders have already started raising fixed rates.

The reason? Oil prices and inflation fears.

In this video I break down the connection and why it matters if you're watching mortgage rates right now.

05/22/2025

Ever wonder what really drives mortgage rates? It’s not just the Bank of Canada.

📈 Fixed rates are tied to the bond market — and right now, bond yields are on the rise globally.

Why? U.S. debt is ballooning, confidence is slipping, and investors are demanding more return.

📍 I break it all down in today’s market update.

05/20/2025

nflation dropped—but bond yields jumped. What gives?

April CPI came in at 1.7%, down from 2.3% in March. That’s within the Bank of Canada’s target, and normally, we’d expect bond yields (and mortgage rates) to follow suit and drop.

Instead, the 5-year yield surged over 12 basis points this morning.

Why? Core inflation—the Bank’s preferred metric—didn’t budge. It’s flat or rising, keeping rate cut hopes in limbo.

I still think a cut is coming on June 4th. Weak jobs and GDP support it. But today’s data just made things a little less clear.

05/15/2025

You may have seen the headlines: “60% of Canadian mortgages—4 million in total—are renewing in 2025–2026!”
The media calls it a looming economic Armageddon.

But here’s the reality:

Most of these mortgages were arranged before 2022, when interest rates were much lower. Yes, renewals at today’s higher rates will cause some payment increases—but the panic may be overblown.

📉 According to the Bank of Canada’s latest Financial Stability Report:

Projected 2025 mortgage payment increases have dropped from 14% to 8%

2026 increases have gone from 11% to just 5%

This signals growing confidence that interest rates will ease—and that the worst-case scenarios may not play out.

💡 Takeaway: Yes, some borrowers will feel the pinch, but the system is far more resilient than headlines suggest.

If you found this insight helpful, feel free to like or comment—I appreciate the feedback and it helps me keep delivering relevant updates for you.

04/16/2025

While the Bank of Canada announced a cautious hold on its overnight lending rate, the real action was happening in the bond market—and it caught a lot of people off guard.

In this video, I walk you through:

Why the Bank of Canada hit pause, and what’s driving their decision

A rare and serious move in U.S. bond yields that only happens when markets are stressed

Two big theories behind the bond market volatility (including a wild one featuring bond vigilantes and Trump's trade war)

What this means for Canadian mortgage borrowers—especially those trying to decide between fixed or variable

Despite the economic slowdown and expectations for rates to fall, last week fixed mortgage rates rose due to this bond market disruption. I’ll explain why, and what to watch for next.

If you're feeling unsure about your next mortgage move, this is the context you need.

03/07/2025

Do Accessory Dwelling Units (ADUs) Add Value to Your Home?

With the rising interest in ADUs across Toronto, many homeowners are asking the same question: Does adding an ADU actually increase property value?

To get a clear answer, I sat down with David Wenger from Ridgepoint Appraisals to discuss how appraisers assess ADUs, how lenders view them, and what homeowners need to consider before building one.

In our conversation, we cover:

-The appraisal methods used to determine ADU value
-The challenges of finding comparable sales in Toronto
-How different lenders approach ADUs in financing and mortgage approvals
-Whether an ADU is a good long-term investment

While ADUs can provide rental income and additional living space, their impact on appraised value isn’t always straightforward. Some lenders may not fully recognize their value, which can affect financing options. If you’re considering building an ADU, it’s important to understand these factors before making a decision.

Watch the full video to learn more about how ADUs are valued and what it means for homeowners and investors.

If you have questions about financing an ADU or want to explore your mortgage options, feel free to reach out. I’d be happy to help.

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Understanding the impact of laneway suites, garden suites and coachhouses on home values in the GTA.In this video, I delve into the value-added potential of...

01/22/2025

Exciting news! Starting January 15, 2025, new mortgage refinancing rules are making it easier than ever to build laneway houses and secondary suites in Toronto. With access to financing up to 90% of your home's as-completed value and 30-year amortizations, homeowners can create much-needed rental housing while boosting their property value.

Laneway houses have become a rising star in urban living. These compact, stylish, and functional homes are popping up everywhere in neighbourhoods like

11/21/2024

11/05/2024

Cleaning out the office storage and stumbled upon some relics from a bygone era: three mockups of Tridac Mortgage marketing my dad created with a designer back in 1997. Check out the phone number—no area code! It’s wild to think that creating just three flyers took weeks back then.

Fast forward to today, where a single AI prompt can produce endless content in seconds. I’m sure this reality is beyond anything my dad could’ve imagined 27 years ago. Who knows where content creation will be 25 years from now!

10/23/2024

📉 Bank of Canada Delivers JUMBO Rate Cut!

This morning, the BoC slashed rates by 50bps! 🎉 Canadians everywhere can breathe a little easier as the retail prime rate drops from 6.45% to 5.95%.

🏠 Got a variable-rate mortgage? Expect to save about $30/month per $100,000 of mortgage debt.

With fixed payments? More of your money will now go toward the principal, shortening your amortization!